10 provisions that include increasing the accountability and transparency of financial institutions, creating a bureau to educate consumers in financial literacy and protect them from deceptive financial practices, implementing additional incentives for whistle-blowers, increasing oversight of the financial industry, and regulating the use of complex derivatives.

The Dodd-Frank Act

Explanation:

The Dodd-Frank Act (fully known as the Dodd-Frank Wall Street Reform and Consumer Protection Act) is a US federal law that regulates  the financial industry in managed the government. This legislation, current since July 2010, created financial regulatory processes aiming to limit risk and  enforce transparency and accountability.  

Due to the late 2000s recession - caused mainly for low regulation and high reliance on large banks - one of the targets of the Dodd-Frank Act is exactly to more strictly regulate banks. This Act created the Financial Stability Oversight Council (FSOC) with the purpose of dealing with persistent issues tah may affect the financial industry, therefore, it is helpful in the long run as well, so it may prevent another recession.

The Consumer Financial Protection Bureau interacts with regulators in large banks to prevent risky practices in businesses that eventually affect consumers. In addition to regulations, the CFPB provides consumers with access to verified information about mortgages and credit scores with a 24-hour, toll-free hotline so consumers can report issues with financial services.

"choosing is refusing" means individuals face an opportunity cost with each decision they make. economists state that every decision involves trade-offs. opportunity cost is the least desirable alternative given up as a result of a decision.

new communications technology has affected the way social movements are organized because nowadays, social movements rely on social networks and the media to get different people with a similar way of thinking in contact, and thus, get them to mobilize for a greater cause.

individuals only participate in collective action when they feel identified with it. is in this aspect that social media becomes relevant, because it guarantees communication among all individuals and organizes the social actions that are going to be carried out, i.e., the social movements.

in addition, being covered by the media is important to validate the message and make it relevant in the social agenda, as well as to reach more people who can share interests, appealing to public sympathy for their cause.

in conclusion, it is by social networks and social media that social movement is given birth; by connecting different individuals with similar ideas and organizing them to mobilize for a greater cause.